If you’re a motorcycle enthusiast, the call of the open road along Florida’s Gulf Coast is like no other. From salt-touched breezes, to sun-drenched blue skies that stretch on forever, the Gulfshores offer an incomparable motorcycle experience.

At Ardent Insurance & Risk Management, we can obtain coverage on a complete range of motorcycle types—from street cycles and Harley Davidson HOGs, to traditional cruisers and touring bikes, to dirt bikes and ATVs. Whatever your two-wheel proclivities, we have a passion for helping you find comprehensive coverage at competitive rates.

What Does Motorcycle Insurance Cover?

Motorcycle Insurance Liability Coverage

Liability coverage for a motorcycle serves the same purpose as car liability coverage; it provides financial reimbursement to other motorists and passengers in the event you’re judged legally liable for an accident while riding your motorcycle.

Motorcycle Insurance Medical & Bodily Injury Coverage

Medical and bodily injury coverage reimburses you, as the motorcycle rider, for injuries you sustain in an accident.

Motorcycle Insurance Property Damage

This kind of coverage reimburses you for damage to your motorcycle caused by an accident. This coverage type frequently include damage to protective gear. Property damage coverage will also reimburse you if the vehicle is a total loss.

Motorcycle Insurance Comprehensive Coverage

Comprehensive coverage reimburses you for theft, fire, vandalism and other types of losses to your bike. Comprehensive insurance even covers your motorcycle while you have it stored away during cooler weather.

Motorcycle Insurance Custom Parts & Equipment Coverage

If you’re into customizing your ride, tinkering with it and upgrading it to suit your individual style and personality, custom parts and equipment coverage is a must. This kind of coverage reimburses you for damage and losses to your customizations. Like any other coverage type, the amount of reimbursement will depend on the amount of coverage, which typically ranges from between $3,000 and $10,000.

Uninsured/Underinsured Motorist Coverage

This type of coverage protects you in case you’re involved in an accident on your motorcycle wherein the other driver has no insurance or inadequate coverage.

Motorcycle Insurance Roadside Assistance

This coverage reimburses you if your bike breaks down on the road and needs a tow.

Motorcycle Insurance Trip Interruption Coverage

This coverage reimburses you for non-refundable costs associated with needing to unexpectedly cancel a trip, vacation, etc.

Discounted Motorcycle Insurance with Multiple Ardent Policies

If you purchase motorcycle insurance coverage through one of our major carriers, there’s a good chance you’ll be eligible for discounted rates if you already have other policies through Ardent. Whether you’re already an Ardent Insurance policyholder or not, ask us about motorcycle insurance multiple-policy discounts.

Wherever you cruise on your two-wheeled adventure-maker, comprehensive motorcycle insurance from Ardent Insurance Group will help keep you protected out on the open road. If you’re shopping for motorcycle insurance in Collier County, Florida, we’d love to hear from you! As an independent insurance agency in Naples, FL, we partner with numerous motorcycle insurance carriers; our agents can do the shopping around for you!